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Instituto Valenciano de Investigaciones Económicas

Databases

Access to banking services

The restructuring of the Spanish banking industry has led to a drastic cutback in installed capacity, which is reflected in the closure of more than 40% of the branches that were operating in 2008, before the onset of the financial crisis. This drastic cutback has affected people’s access to banking services, resulting in an increase in the percentage of the population living in towns and villages where there is no bank branch.

In this context, IvieLAB —the observatory set up within the framework of Ivie’s collaboration agreement with the Office of the President of the Valencian Government (Generalitat Valenciana) to evaluate public policies— has set out to update the indicators of accessibility to banking services by calculating, for 2017, the number and population of municipalities that do not have a bank branch. This analysis is being performed for all the regions of Spain (disaggregated at municipal level), so as to obtain a comparative picture of financial accessibility in the provinces and autonomous communities. The observatory’s findings will help the Valencian government detect and remedy financial exclusion.